Re: First Premier

have never heard of anyone getting denied for a first premier card, but i suspect if they did, they probably wouldn't post about it since first premier's pretty much considered a 'slam dunk', much like tribute, rewards 660, and all the other 'fees up the wazoo b/c no one else would give you credit' subprime cards. w/that said, suprime ccs DO have their use as they've raised my scores a decent amount. unfortunately, the first premiers, orchards, etc. won't 'grow w/you', so you'll be stuck in the land of 250-350 CLs. when my 2 yr anniv. w/first premier hits (1/09), i'm canceling as it's served its purpose.

Re: First Premier

Thanks for the responses guys. I have two pmb cards and the 2nd came because I paid on time for six months. Don't know if I shoud have taken it or not, but rebuilding credit takes more work than I thought. Anyways once they are paid off I will look for a better card no doubt. But, since I have had these cards my credit score has taken a big turn for the better. I am looking to be in the Mid 600s by late September on all three reports.

Re: First Premier

hi tiger, i have 2 first premiers also. the 1st w/the whopping 250 cl wasn't doing much, so they generously offered a 2nd w/a whopping 350 cl lol. NO CLIs since then (unless of course i want to cough up $25 for what's likely a $100 CLI lol no thank you first premier and all your freaking fees!) and i've had them for 1.5 yrs. they (and 2 unsecured orchards) since early 2007 have boosted my ficos. i'm now up to the mid 600s and looking to 'move on up'. recently got a BA 99/500...partially secured, BUT it is w/a PRIME BANK and BA will give me a nice CLI once the cc graduates (6-12 months- just in time to dump first premiers!). who knows, maybe i'll see a 4 digit credit line sometime in my lifetime again haha

1 thing i'd recommend is paying your first premiers (and any other subprime ccs you have) IN FULL every month. just this past month alone i was able to see a fico jump of 70+ points just from paying off my 4 subprime ccs in full.

once you stumble credit wise, it is a LONG haul back up, but others have made it and so can you. patience is your friend.

Re: First Premier

Hmm, I'm in a similar boat. score is in the low 500s, went through a really hard financial time and my scores plummeted as a result..all I got left that is still open is Kohls. I did receive an invite FP's black card though, doubt I can get anything else. Should I accept the offer, or do you think a prepaid through b of a would be better based on your past experience?

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.